The Denison State Bank
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Data as of · sourced from FFIEC call reports. How we update
The Denison State Bank is an FDIC-insured commercial bank headquartered in Holton, KS, established in 1901 (FDIC certificate 15305), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $453.6M, down 0.7% from Q2 2025, the 47th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 17.53% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15305
- Headquarters
- Holton, KS
- Established
- 1901
- Total assets, Q2 2026
- $453.6M
- Assets vs Q2 2025
- -0.7%
- Tier 1 leverage ratio, Q2 2026
- 17.53%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 101108034
- Holding company
- DENISON BANCSHARES, INC. OF HOLTON
- Asset rank in state
- 47th of 182 in Kansas
Problem loans are rising at The Denison State Bank. Its balance sheet stood at $454 million at June 30, 2026; it is based in Holton, Kansas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.08% of loans from 0.52% a year earlier. It earns about $2.24 a year on every $100 of assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also funds 17.53% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.99%).
The commercial and industrial book ($48 million) is worsening: 4.07% of it is past due or on nonaccrual, up from 1.70% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 2.3% and deposits fell 1.7%.
As of June 30, 2026, The Denison State Bank reported a return on assets of 2.24%, a nonperforming-loan ratio of 1.08% and a Texas ratio of 4.23%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, The Denison State Bank is the 47th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.1% to $453.6M, loans fell 0.6% and deposits fell 3.8%. Agricultural production loans made up 24.2% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 18.2%. Its 5 offices in the FDIC Summary of Deposits are in 4 cities in KS; its Holton 2 offices book 66% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Denison State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 421 New York Ave, Holton, KS 66436
- County
- Jackson
- Metro Area
- Topeka, KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1901
- Former names
- The Denison State Bank (1975)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 71
- Domestic deposits
- $369.3M
- Allowance for credit losses
- $3.1M
- Net charge-offs (YTD)
- $1.2M
- Average total assets
- $470.2M
- Average total loans
- $303.9M
- Average interest-bearing deposits
- $311.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 19, 1935
- FDIC Cert
- 15305
- Fed RSSD
- 869551
- Website
- http://www.dsbks.com →
- Parent Holding Company
- DENISON BANCSHARES, INC. OF HOLTON (RSSD 1058286)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Denison State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Denison State Bank's total assets ran between $420.2M (Q3 2023) and $468.7M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$453.6M total assets against $456.9M; $378.8M total liabilities against $389.0M.
$300.6M net loans and leases against $293.7M; $369.3M total deposits against $375.7M.
$117.5M securities against $124.0M; $6.8M cash and balances due against $12.8M.
$6.2M total interest income against $6.0M; $1.6M total interest expense against $1.8M.
$4.6M net interest income against $4.2M.
$880K total noninterest income against $803K; $2.8M total noninterest expense against $2.6M.
$0 provision for credit losses against $0.
$2.6M net income against $2.4M.
2.24% return on assets against 2.00%; 4.17% net interest margin against 3.80%.
17.53% tier 1 leverage ratio against 16.56%.
Inside the full The Denison State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Denison State Bank rankings
Its closest position to the top of a national ranking is 284 of 3,611, for ROA; its furthest is 1,891 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.67% (Q4 2025) to 2.46% (Q3 2025) and its net interest margin ran from 3.53% (Q3 2024) to 4.24% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.53% | 2.24% | 1.08% | 4.23% | 4.17% |
| Q1 2026 | 17.27% | 1.70% | 0.83% | 3.25% | 4.24% |
| Q4 2025 | 16.83% | 0.67% | 0.80% | 3.26% | 4.07% |
| Q3 2025 | 17.22% | 2.46% | 0.27% | 1.35% | 3.99% |
| Q2 2025 | 16.56% | 2.00% | 0.52% | 2.95% | 3.80% |
| Q1 2025 | 16.41% | 2.06% | 0.36% | 1.57% | 3.72% |
| Q4 2024 | 16.07% | 2.11% | 0.42% | 1.94% | 3.58% |
| Q3 2024 | 15.94% | 1.77% | 0.46% | 2.00% | 3.53% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Denison State Bank | Holton , KS | 66436 | $207.8M |
| Meriden Branch | Meriden , KS | 66512 | $74.1M |
| Holton Branch | Holton , KS | 66436 | $35.3M |
| Hoyt Branch | Hoyt , KS | 66440 | $34.6M |
| Topeka Branch | Topeka , KS | 66614 | $17.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 15, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 15, 2004 | Structure Change | Acquired Countryside Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in KS, rank 65 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 121 applications, 98 loans originated, $15.2M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $203K approved, $203K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Denison State Bank
What are The Denison State Bank's total assets?
As of the Q2 2026 filing, The Denison State Bank reported total assets of $453.6 million in its FFIEC call report.
Where is The Denison State Bank headquartered?
It is headquartered in Holton, KS, United States.
When was The Denison State Bank founded?
It was established in 1901, per the FDIC institution directory.
Is The Denison State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15305). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Denison State Bank?
The Denison State Bank's primary federal regulator is the FDIC.
How many branches does The Denison State Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Denison State Bank's Texas Ratio?
Its Texas Ratio is 4.23% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Denison State Bank previously called?
The charter now named The Denison State Bank has also operated as The Denison State Bank (1975), per FDIC structure-change records.
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